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Offbeat Insurance: Which policies seniors really need

18:40  20 may  2020
18:40  20 may  2020 Source:   pressfrom.com

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What do I really need? Everybody should ask themselves this question every now and then. Sometimes you can even save - for example, if you separate yourself from one or the other superfluous insurance.

Ab einem bestimmten Alter ist nicht mehr jede Versicherung nötig. Manche Policen werden dafür umso wichtiger. © Photo: Christin Klose / dpa-tmn From a certain age, not every insurance is necessary. Some policies are even more important for this.

seniors, for example, no longer need some protection, for example occupational disability insurance. Other policies can become more important. An overview:

- Personal liability insurance: Anyone who causes damage to others must pay for it - and in unlimited amounts. Liability insurance is therefore indispensable in every phase of life. The insurance pays all damages caused by negligence or even gross negligence up to the amount agreed in the contract.

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“It is worth checking regularly whether there are cheaper and better liability insurance contracts,” says Simone Weidner from the Stiftung Warentest. New tariffs are sometimes cheaper and more powerful than older policies. Seniors should ensure that the policy includes inability to commit offenses. Then the insurer often pays for damage caused by dementia.

- Health Insurance: Everyone must have health insurance. But here, too, seniors should keep an eye on the price. "Private health insurers who suffer from rapidly increasing premiums can consider changing the tariff within society," says Julia Alice Böhne from (BdV). This could reduce the contribution under certain circumstances.

Caution: In the case of low-performing tariffs, there is a risk of high personal contributions. Therefore, when changing, it is particularly important to choose a tariff with a level of performance that meets the needs.

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Supplementary insurance may be worthwhile for those insured by law, for example for optional benefits in the hospital. But be careful: "Those who already have previous illnesses may no longer receive a contract," says Weidner. And here, too, customers have to expect rising insurance premiums.

- Travel Health Insurance Abroad: A travel health insurance policy is advisable for travel. "The statutory health insurance companies often only partially or not at all pay the treatment costs abroad," says Andreas Gernt from the Lower Saxony Consumer Center

. The risk of getting sick at the holiday location increases with age. And the health insurance companies do not pay for a medically necessary or better medically sensible return transport home that can easily cost a five-digit amount.

"If you travel abroad more often, the best thing to do is to take out a cheap annual policy, long-term vacationers a long-term policy," says Gernt. It is worth comparing the insurance offers. Some insurers increase the premium from the age of 50. Others only provide for a surcharge from the age of 70.

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- Supplementary care insurance: More and more people have to be cared for. This causes enormous costs. The statutory benefits are barely sufficient to cover the costs, even when there is little need. Long-term care insurance is therefore generally a good idea.

However, you should complete it as early as possible. The older the policyholder is when the contract is concluded, the more he pays for the contract. The range of services is also important: "A private service should already provide services from nursing level 1 and for home care," says Böhne.

- Accident Insurance: Those who fall in old age do not always get off lightly. Falls are one of the most common causes of hospitalization for seniors. If the accident necessitates conversion costs, purchases or maintenance services, the accident insurance service helps. That is why Böhne recommends: "The sum insured should cover the one-time capital requirement that arises from an accident-related disability."

Most insurance companies reduce the benefit if the accident has already contributed to the illnesses or previous illnesses. "If possible, choose a tariff that provides for a comprehensive waiver of this right to reduce benefits." In addition, the contract should not end at a certain age.

Many accident insurers no longer try to pay benefits for older people, mostly from the age of 65 or 75, as a one-off payment, but as a pension. Andreas Gernt from the Lower Saxony Consumer Advice Center advises against this: "The one-off payment is generally more advantageous and flexible."

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